How long after Chapter 13 bankruptcy can I buy a home?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
In a Chapter 13 you can often buy while still in the plan — after 12 months of on-time payments with trustee approval on FHA and VA. Conventional generally requires two years from discharge or four from dismissal.
Because Chapter 13 involves repayment, the rules are friendlier than Chapter 7. We'll coordinate trustee approval and confirm your timeline.
Chapter 13 timelines
Chapter 13 is more flexible than Chapter 7. FHA and VA can allow a purchase during the plan with 12 months of on-time payments and trustee approval. Conventional waits two years from discharge.
Because you can sometimes buy inside the plan, Chapter 13 filers often qualify sooner than expected.
Buying during a plan in Florida
Still in a Chapter 13 plan and want a home? It can be done with the right steps. Trustee sign-off is the linchpin.
Bring your plan details and payment record. We will show whether you can buy now or need a short wait.